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Uninsured Motorist Coverage

Uninsured Motorist Coverage

Most states legally require a driver to carry car insurance, but there’s still a solid percentage of drivers behind the wheel who are uninsured. So, what happens if you’re hit by someone without insurance? Get proactive about protection and see how uninsured motorist coverage can give you peace of mind behind the wheel.

What is Uninsured Motorist Coverage?

Picture these scenarios: You’re in an accident, you’re the victim of a hit-and-run, or you’re struck by another vehicle as a pedestrian. What happens if the other driver is uninsured? You could be left paying the bills, since the other driver doesn’t have liability insurance to handle your claim.

That’s where uninsured motorist coverage comes in. Uninsured motorist coverage helps protect you financially in the event you’re in an accident caused by an uninsured driver. So, if the at-fault driver doesn’t have insurance, you’ll still have coverage under your own insurance policy. Whew!

What Does Uninsured Motorist Cover?

If you or someone in your family gets seriously hurt in an auto accident by an uninsured driver, would you be able to pay the medical bills on your own? With uninsured motorist coverage, American Family Insurance can help cover the costs.

Uninsured motorist bodily injury coverage. This coverage is designed to protect you and your passengers for bodily injury if you’re struck by an uninsured driver. It helps cover medical expenses for injuries sustained in an accident, loss of income and funeral costs. It also helps cover the costs of treating emotional and mental issues resulting from accidents. This includes coverage for the insured members of your household, as well as the passengers in your vehicle. It’s all about helping restore your physical, emotional and mental well-being.

Underinsured Motorist Coverage

If you’re in an accident with an at-fault driver who has some liability insurance, but not enough to cover all of your bills after an accident, you’ll be glad you had underinsured motorist coverage. It’s similar to uninsured coverage, but in this case, the at-fault driver’s insurance typically pays for the damages up to their policy limit, and your underinsured coverage kicks in to help pay the rest.

If you’re in an accident with an uninsured or underinsured driver, and you don’t have uninsured or underinsured motorist coverage, you’ll be responsible for paying out-of-pocket for damages and medical expenses. However, if you’re in an accident where the other driver was at fault and you do have these coverages, you’ll rest easy knowing your finances are protected.

Need Additional Coverage?

For additional protection on the road, consider adding the following coverages along with your uninsured motorist insurance.

Collision insurance. Collision insurance is an optional coverage that helps pay to repair or replace your vehicle. Collisions can involve another vehicle or an object, like a tree.

Loan or lease assistance insurance. Loan or lease assistance insurance is an optional coverage than can be added to your collision policy in order to help pay the difference between what your car is worth and what you owe. This add-on helps pay the difference if you have a total loss.

Medical expense coverage. Medical payments coverage helps pay for medical care for you and your passengers, regardless of who is at fault.

Having the right car insurance coverage means more confidence behind the wheel. Connect with your American Family Insurance agent about customizing your auto insurance coverage, and hit the road knowing you’re protecting what matters most.